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Applied for a dmp in haste!!!!

Hi all, I'm sooo glad to have found this site. I'll get straight to the point.... I applied for a dmp, now realise i can cut down and manage without :j However when i spoke to MBNA before my first payment and told them they said i can't back out now and it will stay on my credit rating. I'm so cross with myself. I know it's silly but I daren't tell my hubby my situation as he's bailed me out before. He was talking about moving our mortgage last night and that just makes it worse as I presume then he'll find out? Any words of advice would be so welcome and helpful.:eek:

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